Plum: Smart Saving & Investing

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About this app

With automated deposits, accessible investing and smart budgeting, Plum gives your money momentum. We give your personal finances a push to help you reach your goals, whatever they may be.

• Link your bank accounts and credit cards to get an overview of all your finances
• Plum can automate your deposits to help you put more money aside over time
• You choose the Rules that control how much money you’d like to set aside
• Options include our AI algorithm and Round Ups
• Gamify deposits with our 52 Week Challenge or Rainy Day Rule
• Withdraw anytime, as often as you’d like (except pension)

• Use our Splitter to divide your deposits between savings and investment funds
• Recurring buy orders let you set up regular, automated investments in company stocks
• Earn up to 3.51% AER on your savings with a FSCS-protected, Interest Pocket*
• Automated investment options include stocks, funds and pensions
• Start investing with just £1

* Easy Access Interest Pockets are provided by Investec Bank Plc.

• Create your profile in minutes to start buying and selling US company stocks
• Invest in up to 3,000 companies like Amazon or Tesla
• Set up recurring buy orders and price alerts to put your investing strategy into action

† A 0.45% currency conversion ‘FX’ markup and nominal regulatory fees still apply. The total fees charged to buy and then sell (2 trades) 1 share worth $100 would be around $0.90.

• Choose from up to 21 different funds themed around risk level or sector
• Personalise your portfolio with funds like ‘Slow & Steady’, ‘Tech Giants’ or options with an ethical focus
• Premium funds allow greater diversification through the inclusion of Gold, Biotech and Real Estate assets
• Funds are professionally managed and each one contains lots of different company shares
• Available with Plum Pro subscription or above (from £2.99/month)
• Intuitive and transparent fees‡
• NEW: Access our Money Market Fund that invests in bonds guaranteed by the UK Government, offering a yield of 4%.

‡ Here are the fees when you invest in funds with Plum:

• £2.99 minimum monthly subscription
• 0.90% annual Assets Under Management (AUM) and average fund management fee§
• No withdrawal fees or limits

§ This includes an (AUM) fee of 0.45% charged by Plum, as well as a 0.06–1.06% fund management fee, depending on the specific investment fund(s) you choose.

• Consolidate your existing pensions into a single Self Invested Personal Pension (SIPP)
• Choose from risk managed or diversified global funds
• There are no subscription charges for a Plum SIPP
• 0.89% annual Assets Under Management (AUM) and average fund management fee‖
• Get tax relief on your contributions

‖ This includes a 0.45% Product Providers fee, as well as a 0.08%–1.06% fund management fee, depending on the specific investment fund(s) you choose.

• We’ll let you know if there’s a better deal on household bills and can switch you in seconds
• Use Money Maximiser to get a real-time view of your budget
• A Plum Card is the easiest way to use the money you’ve saved and can stop you overspending

• We support biometric security (face/fingerprint ID)
• Any sensitive data we hold is stored using symmetric cryptography (AES)
• We never share your data with third parties without consent

• Customer support available 7 days a week

Plum is a trading name of Plum Fintech Ltd. Plum Fintech Ltd. is a registered AISP with the FCA (FRN: 836158). Plum Money is the trading name of Saveable. Saveable Ltd. is authorised and regulated by the FCA (FRN: 739214) as an investment firm and credit brokerage firm.

For investments and pensions, all fund management and provider fees are shown annually, billed monthly and immediately reflected in your portfolio.
Updated on
29 May 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

What's new

Thanks for downloading Plum!
We've pushed some bug fixes to make sure the app is always running smooth.
Please update your app to ensure you have the most performant experience of Plum!